I personally am at a stage of my life where I have no idea what the next month/semester will bring, let alone tomorrow. Funds for me are erratic at best, some weeks no money, some weeks lots, so to be able to keep up with monthly payments might be difficult. (I make sever payments, phone, and insurance payments all in one-time payments each year). I am just a student, but I would prefer to make larger one-time contributions, as these are easier to come-by. I know churches use a promised-giving approach to fund expansions that banks generally take into account when providing financing. I would like to make a pledge for the first year. It seems to me that as the funds become available, I can keep marching towards a goal that I set for the year. This would also make it easier to get an idea of the funds that we have to work with within the first year. Generally in these campaigns, for the amount of under-contributing, there is about the same amount of over-contributing. Since we don't have a place immediately available to us anyways, it might provide a reasonable time line.